A Discussion with Licensed Financial Advisor

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Annual Limit
up to RM3.5m
Lifetime Limit
No limit
Room & Board
up to RM800
Coverage Age
14 days - 70 years
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM50k up to RM3.5m
Lifetime Limit
No limit
Pre-Hospitalisation Diagnostic Tests
As charged 
Room & Board
from RM200 up to RM800per day, up to 180 days a year
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged 
Medication and Treatment
As charged 
Intensive Care Unit (ICU)
As charged 
Hospital Services and Supplies
As charged 
Day Care Surgery
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged 
Post-Hospitalisation Treatment
As charged 
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
Outpatient Stroke Treatment
As charged 
Emergency Accidental Outpatient Treatment
As charged 
Pregnancy Complication
As charged up to RM30,000
Medical Evacuation and Repatriation
As charged per event, up to US$1 million
Emergency Dental Treatment
As charged 
Insured Child Guardian Benefit
As charged 
Home Nursing Care
As charged No limit
Intraocular Lens
As charged up to RM10,000
Traditional Medical Treatment
As charged 
Cosmetic Treatment
As charged 


Additional benefits with this insurance

How to Claim

Who do I contact if I have a question or emergency?

RinggitPlus Customer Care Hotline

Step 1: Prepare documents

Typically, these are the documents required for your claiming process:

  • A copy of your NRIC
  • Medical report by treating doctor
  • Original medical bill(s) and receipt(s)
  • Investigation or diagnostic report (if any)
  • For overseas treatment: original itemised bill(s), flight ticket, passport

Always remember to keep the original copy of bills and receipts when you are receiving medical treatment because they may be entitled for reimbursement. Most importantly, a medical report is a prerequisite document for a claim.

Step 2: Complete Claim Form

You need to complete a claim form, which can be downloaded from your insurance provider’s website or app. Without this claim form, your claim request is invalid. 

Take this time to also review thoroughly your claim form and other documents before proceeding to submit them.

Step 3: Submit Claim

There are many ways you can choose to submit your claim. You can rely on your agent or do it yourself via mailing or stopping by at branch office. 

Some insurance companies offer online submission platform too. Regardless of the means, you must complete the claim submission within 30 days after hospital discharge to qualify for reimbursement.


Minimum Entry Age
At least 14 days of age
Maximum Entry Age
At most 70 years of age
Maximum Renewal Age
At most 99 years of age
Coverage Expiry Age
At most 100 years of age

More Information

Q: What does a medical card cover?

A: A typical coverage consists of all pre- and post-hospitalizations, outpatient and emergency treatments. Depending on how the product is packaged, you should be receiving basic coverages such as:

  • Room & Board
  • Intensive Care Unit
  • Surgical Fees
  • Anesthetics Fees
  • Operating Theatre
  • In-hospital Physician Visit
  • Hospital Supplies and Services
  • Day Surgery
  • Pre-hospitalization consultation and diagnostic
  • Post-hospitalization treatment
  • Outpatient treatments (Cancer, Dengue, Kidney Dialysis, Stroke, etc)
  • Ambulance Fee
  • Accidental Death / Accidental Permanent Disablement
  • Emergency Accidental Injury

Q: What is ‘No-claim Bonus’?

A: A No-claim Bonus is a loyalty reward credited to you if you have not made any claim in the current or previous policy year. This bonus can come in the forms of cash reward or premium discounts or any other enhancements.

Q: What is Family Discount?

A: It’s a reduction in premium of policyholders who are covering additional members, usually more than two.

Q: What is ‘switching’?

A: ‘Switching’ happens when you decided to move from your current medical card insurance provider to another, subject to terms and conditions.

Q: Is there a Service Tax?

A: Yes, a Service Tax of 6% is applicable to the insurance premium.

Q: What if my original policy is lost?

A: Your medical card insurer will issue a duplicate policy according to their procedure. Usually, there will be an extra charge for the copy.

Q: Who are considered as ‘dependents’?

A: Individual who depends on the primary policyholder (spouse, children and parents) are considered as dependents. In general, children are considered as dependents up to the age of 18 years old or 23 years old (if they’re studying). Dependent children can only be covered under the same plan as their parents’.

Q: What are Exclusions?

A: Exclusions are illnesses or medical conditions that are not covered by a medical card. When you claim for any of the events under Exclusions, it will be denied by the insurer.

Q: What is Specified Illness?

A: Specified Illness are illnesses or disabilities that come with related complications.

Q: What are Pre-existing Conditions?

A: This is a condition or illness that you have experienced prior to applying for a medical card. Usually, the insurance provider will not cover for pre-existing conditions. You are encouraged to get a medical card before you develop any health conditions to enjoy its full benefits.

Q: Is Guaranteed Renewability important?

A: A rider medical card does not require a renewal and its premium is always guaranteed. Meaning, you will pay the same premium amount every month or year even though your age band increases. 

If you purchase or renew a standalone medical card, you renewable is not always guaranteed. There are several risks insurance companies look into before agreeing to your renewal, such as age, pre-existing conditions, previous claim, occupation and many more.